--- title: "Chubb Professional Liability (E&O) Insurance" description: "What Chubb Professional Liability (E&O) Insurance covers, who it’s for, and its limits and retentions, cited to Chubb’s own published sources." canonical: "https://spot.insure/insurance-providers/chubb/professional-errors-omissions" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/chubb/professional-errors-omissions) # Chubb Professional Liability (E&O) Insurance Chubb Pro ERM (Professional Enterprise Risk Management) Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.) ## Who It’s For - Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Target Clients list.) ## Coverage Features - Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list; subject to the policy as issued.) ## Limits and Retentions - Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list.) ## Risk Services - Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list.) ## How to Apply - Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. [1](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page quoting section.) ## Chubb Professional Liability (E&O) Insurance Compared - [Chubb vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-chubb/professional-errors-omissions) - [Chubb vs At-Bay](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions) - [Chubb vs Beazley](https://spot.insure/compare/beazley-vs-chubb/professional-errors-omissions) - [Chubb vs CFC](https://spot.insure/compare/cfc-vs-chubb/professional-errors-omissions) - [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition/professional-errors-omissions) - [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi/professional-errors-omissions) ## Other Chubb Coverage Lines - [Chubb Builders Risk Insurance](https://spot.insure/insurance-providers/chubb/builders-risk) - [Chubb Business Owner’s Policy](https://spot.insure/insurance-providers/chubb/business-owners-policy) - [Chubb Cargo and Transit Insurance](https://spot.insure/insurance-providers/chubb/cargo-transit) - [Chubb Commercial Auto Insurance](https://spot.insure/insurance-providers/chubb/commercial-auto) - [Chubb Commercial Property Insurance](https://spot.insure/insurance-providers/chubb/commercial-property) - [Chubb Crime Insurance](https://spot.insure/insurance-providers/chubb/crime) - [Chubb Cyber Insurance](https://spot.insure/insurance-providers/chubb/cyber) - [Chubb D&O Insurance](https://spot.insure/insurance-providers/chubb/directors-officers) - [Chubb Employment Practices Liability Insurance](https://spot.insure/insurance-providers/chubb/employment-practices) - [Chubb Equipment Breakdown Insurance](https://spot.insure/insurance-providers/chubb/equipment-breakdown) - [Chubb Fiduciary Liability Insurance](https://spot.insure/insurance-providers/chubb/fiduciary) - [Chubb General Liability Insurance](https://spot.insure/insurance-providers/chubb/general-liability) - [Chubb Inland Marine Insurance](https://spot.insure/insurance-providers/chubb/inland-marine) - [Chubb Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/chubb/kidnap-ransom) - [Chubb Management Liability Insurance](https://spot.insure/insurance-providers/chubb/management-liability) - [Chubb Product Recall Insurance](https://spot.insure/insurance-providers/chubb/product-recall) - [Chubb Representations and Warranties Insurance](https://spot.insure/insurance-providers/chubb/representations-warranties) - [Chubb Surety Bonds](https://spot.insure/insurance-providers/chubb/surety-bonds) - [Chubb Tech E&O Insurance](https://spot.insure/insurance-providers/chubb/technology-errors-omissions) - [Chubb Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/chubb/umbrella-excess) - [Chubb Workers’ Compensation Insurance](https://spot.insure/insurance-providers/chubb/workers-compensation) ## Related - [Chubb Profile](https://spot.insure/insurance-providers/chubb) - [Chubb Reliability](https://spot.insure/insurance-providers/chubb/reliability) - [Chubb Alternatives](https://spot.insure/insurance-providers/chubb/alternatives) - [Coverage Guide: Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) ## Sources 1. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23. 2. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/chubb/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)